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Prices as of 8 Oct 2026 close · Not investment advice

Finkurve Financial Services Limited

NSE: FINKURVENon Banking Financial Company (NBFC)

Share price

₹67.41

-0.18% close of 8 Oct 2026

Market cap ₹944 CrP/E 32.1

Price-based ratios (P/B, dividend yield, EV/EBITDA) are as of 6 Oct 2026, the close above is 8 Oct 2026.

Business score

How strong the business is, in one number. The parts behind it are in Pro.

65

out of 100 · worked out 8 Oct 2026

Your ratios

The numbers you want to see first. Tap Edit to change them.

Market cap

₹944 Cr

P/E ratio

32.1

P/B ratio

2.7

ROCE

10.3%

ROE

9.4%

Dividend yield

0.0%

Price & valuation chart

How the share price and its valuation have moved. Hover over the chart to see any day. Prices as of the last close.

Prices as of 8 Oct 2026 close52-week high ₹123.7352-week low ₹51.07

Answers

Simple answers to the questions investors ask most, from the company's own numbers.

How fast it has been growing

Our sales figures for this company step down at Jun 2007 and we hold nothing that says why, so we cannot honestly quote a growth rate across it.

Whether it grew faster than its sector

Our sales figures for this company step down at Jun 2007 and we hold nothing that says why, so there is no honest growth rate of its own to set against its sector.

Room to re-rate, or risk of de-rating

At 32.1× earnings against a market that pays 23.9× across 2199 companies we can price. Its own industry sits at 20.1×, across 5 companies. It is against its own five-year median of 68.2×, the 1st percentile of its own range.

Whether growth justifies the valuation

Priced at 1.5 times its growth rate, on earnings growth of 22%.

Profit growthPrice per ₹1 profitPer 1% growth
Finkurve Financial Services Limited — this one22%/yr32.1×₹1.5
L&T Finance Limited256%/yr20.1×—
SBI Cards & Payment Services-1%/yr22.9×—
HDB Financial Services Limited9%/yr17.6×₹2.0
Authum Investment & Infrastructure Limited214%/yr22.3×—
Sundaram Finance Limited17%/yr19.9×₹1.2

Compared with companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

How it compares with its peers

Against companies the exchange files under the same label (Non Banking Financial Company (NBFC)), it ranks 35 of 73 on returns, 7 of 68 on growth. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

What makes it hard to beat — and is that still true?

No durable advantage shows in the numbers: it earns 9.4% on capital, ahead of 52% of companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

Whether its growth pays for itself

This question does not fit a lender: the money it lends out is its day-to-day outflow and the deposits or premiums it takes are the inflow, so a cash bridge cannot say whether its growth pays for itself. Look at the return on owners' money instead.

Profit reality check

Is the profit real cash? Simple checks on the accounts. Facts only, not advice.

Not enough filed accounts to run these checks yet.

Latest result · Q1 FY27

What the last results showed. Whether management kept its word is in Pro.

Loan book grew 16% in the quarter, keeping the year's growth promise on track.

Announced 13 Aug 2026 · Standalone · Unaudited

Revenue

₹75 Cr

Net profit

₹8 Cr

Net margin

11.2%

EPS

₹0.60

Earnings call transcript · 13 Aug 2026

Checklist before you investPRO

Points for and against, in one list.

Key numbers & peers

The main numbers grouped by topic, and how the company compares with similar ones.

Price

Market cap
₹944 Cr
Prev close
₹67.41
52w High
₹133
52w Low
₹48.0
Enterprise value
₹942 Cr
Beta
0.4
Price CAGR 1y
-41.0%
Price CAGR 3y
0.0%
Price CAGR 5y
5.0%
Price CAGR 10y
14.0%

Ratios

Return on assets
2.1%
PEG ratio
1.5
P/E ratio
32.1
P/B ratio
2.7
EV / EBITDA
26.2
Industry P/E
16.8
ROCE
10.3%
ROCE 5y average
—
ROE
9.4%
Debt / Equity
2.5
Interest coverage
—
Dividend yield
0.0%
ROE 3y average
9.0%
ROE last year
9.0%

Annual P&L

Annual revenue
₹208 Cr
Annual profit
₹26 Cr
Operating margin
17.0%
Net profit margin
12.5%
EBITDA margin
17.3%
Sales growth 3y
60.8%
Sales growth 5y
59.7%
Profit growth 3y
22.0%
Profit growth 5y
42.0%
EPS
₹1.9
Sales growth TTM
60.0%
Profit growth TTM
62.0%
Dividend payout
0.0%

Quarter P&L

Sales latest quarter
₹75 Cr
Profit latest quarter
₹8 Cr
YoY quarterly sales growth
88.3%
YoY quarterly profit growth
65.8%
OPM latest quarter
15.5%

Balance Sheet

Book Value
₹24.6
Face Value
₹1.0
Total debt
₹847 Cr
Total cash
₹3 Cr
Borrowings
₹847 Cr
Reserves / Equity
23.6

Cash Flow

Operating cash flow
-₹566 Cr
Free cash flow
-₹572 Cr
FCF yield
—
Net cash flow
₹87 Cr

Shareholding

Promoter holding
56.2%
FII holding
7.3%
DII holding
—
Public holding
36.5%

Peer comparison

CompanyPrice ₹P/EMkt cap ₹ CrDiv yield %Profit qtr ₹ CrProfit var %Sales qtr ₹ CrSales var %ROCE %
Bajaj Finance963.1029.35,99,6220.566,080.627.423,165.518.610.9
Shriram Finance965.0520.02,26,2421.123,452.859.913,400.416.211.5
Cholaman.Inv.&Fn1,611.0023.91,37,6380.121,656.245.68,856.321.99.7
Tata Capital322.1025.11,36,6840.181,628.256.38,821.915.18.6
Muthoot Finance2,686.009.51,07,6131.122,824.838.88,671.634.415.8
L&T Finance Ltd264.4020.766,1561.04916.028.75,212.922.48.4
SBI Cards569.4023.854,0910.44664.419.55,040.63.410.1
Finkurve Fin.69.3133.19710.008.465.875.188.310.3
Median141.3520.04730.0010.837.948.627.79.4

Competes with: Bajaj Finance, Cholamandalam Investment & Finance, HDB Financial Services Limited, L&T Finance Limited, Muthoot Finance, SBI Cards & Payment Services, Shriram Finance Limited, Tata Capital Limited

Quarterly results

Sales and profit for each of the last 13 quarters. Newest on the right. ₹ crore.

Standalone · to 30 Jun 2026
Line itemJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue20232423283240404048526775
Expenses16161515202328292532283837
Financing Profit2.675.596.686.535.904.5985.607.428.05109.8712
Financing Margin %13242828211420141917191515
Other Income0.040.040.070.080.080.230.130.140.160.090.511.890.72
Interest1.571.171.651.782.493.904.335.627.088.36142027
Depreciation0.120.120.120.120.080.160.320.500.750.750.591.341.13
Profit before tax2.595.516.636.495.904.667.815.246.837.399.941011
Tax %26212625262628252520302325
Net Profit1.904.364.914.894.393.475.643.915.095.926.988.048.44
EPS in Rs0.150.340.390.390.350.270.440.310.360.420.500.570.60

Profit & loss

Yearly sales, costs and profit for 12 years, plus the last 12 months (TTM). ₹ crore.

Standalone · to 31 Mar 2026
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue291012151620445090141208242
Expenses000223713266299122134
Financing Profit0113156272022253640
Financing Margin %9982183331633924171716
Other Income0000000000023
Interest28981287356175069
Depreciation0000000000.471.0534
Profit before tax0113156272021243539
Tax %183032323325262027242625
Net Profit0112145221416172629
EPS in Rs0.010.050.060.190.080.320.361.701.131.271.371.862.09
Dividend Payout %000000000000

Compounded growth

Average yearly growth over different spans, as stored. A span can cross a demerger or an acquisition.

Compounded sales growth

10 years
37%
5 years
60%
3 years
61%
TTM
60%

Compounded profit growth

10 years
48%
5 years
42%
3 years
22%
TTM
62%

Stock price CAGR

10 years
14%
5 years
5%
3 years
0%
1 year
-41%

Return on equity

10 years
7%
5 years
8%
3 years
9%
Last year
9%

Balance sheet

What the company owns and what it owes, at the end of each year. ₹ crore.

Standalone
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital101010101013131313131314
Reserves11244119123145160176194331
Borrowing307275110937376245275241847
Other Liabilities0173013410202941
Total Liabilities4183931271072062151862352844771,233
Fixed Assets0000000111827
CWIP000000000080
Investments1010101010111354357
Other Assets317383117971952021802292794561,199
Total Assets4183931271072062151862352844771,233

Cash flows

Real money coming in and going out each year — from the business, from investments and from loans. ₹ crore.

Standalone
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity-24-338-3030-84629-20-7-134-566
Cash from Investing Activity-0-0-0-0-0-1-128-1-6-5-7
Cash from Financing Activity2533-628-2985-4-562318145659
Net Cash Flow102-31-01124787
Free Cash Flow-24-338-3030-84628-21-14-138-572

Ratios

How fast customers pay, how long stock sits, and how well capital earns — year by year.

Standalone
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %1551466339999

Shareholding pattern

Who owns the company — founders (promoters), foreign funds, Indian funds and the public. In %.

Standalone · to 30 Jun 2026
Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters555559595962626256565656
FIIs5.845.845.845.845.845.845.896.616.716.707.027.30
Public404035353532323137373736
No. of Shareholders1,3991,8812,2992,1021,8832,7442,8882,7242,7882,9763,3563,433

Price trend

The price as a Renko brick chart: small moves drop out so the bigger path stands out.

Change over 1 year -44.3% (₹121.01 → ₹67.41)Brick size ₹4.07 (fixed)Bricks 39
₹60.00₹80.00₹100₹120₹67.41Nov '25Jan '26Mar '26May '26Aug '26
Price moved up one brickPrice moved down one brickLast close ₹67.41 on 8 Oct 2026

Every brick is the same size, about one typical day's move. A new brick needs a full brick's move; turning the other way needs two. Bricks show where the price went, not where it will go.

Open interestPRO

Where option traders are positioned on this stock.

Industry numbers

The numbers that matter most in this industry, from the company's own filings.

1 when an audit qualification is filed as repetitive

0.00flag

2026-03-31

AUM / loan book

1,270inr_cr

2026-06-30

capital adequacy (CRAR) %

26.60pct

2026-06-30

the company's own unlisted debt securities in default at period end

0.00cr

2026-06-30

gross NPA %

0.54pct

2026-06-30

the company's own loans / revolving facilities in default at period end (standalone filing)

0.00cr

2026-06-30

net NPA %

0.48pct

2026-06-30

guarantees / comfort given for promoter, promoter group, directors and KMP

0.00cr

2026-03-31

loans outstanding to promoter, promoter group, directors and KMP (governance filing)

0.00cr

2026-03-31

security given for the borrowing of promoter, promoter group, directors and KMP

0.00cr

2026-03-31

return on assets %

2.90pct

2026-06-30

News

News and filings about Finkurve Financial Services Limited. Open one to see why it matters.

No recent news for this company.

Supply chain

Who it buys from, sells to and competes with — as recorded in our map of company links.

Competes with

Depends on the price of

  • Bond Markets
  • Gold
  • Interest Rates

About

What the company is, from our own records: where it sits, where it makes things, and what it is made of.

Sector
Financial Services
Industry
Non Banking Financial Company (NBFC)
Classification
Financial Services › Non Banking Financial Company (NBFC)
ISIN
INE734I01027

News impact

Big market events that reach Finkurve Financial Services Limited, and how the effect spreads.

No recent market events reach this company.

Dividends, splits & big trades

Money paid out, share splits and buybacks, and big buys or sells by funds and insiders.

Splits, bonuses & buybacks

  • daily-prices repair: 1 rows from NSE's archive (replace 0, delete 0, insert 1), 2026-02-01..2026-02-01 (docs/flat_day_repair.md)1× · 1 Feb 2026

Documents

Annual reports, results presentations and earnings calls, straight from the source.

Facts from company filings and exchange data. Not investment advice: nothing here tells you to buy or sell.